Updated September 28, 2026 · SumCue Editorial Team
Alior vs Lendela
Alior
Higher score in this comparison
Lendela
Alior vs Lendela: the differences
| Compare | AliorReviewVisitVisit | LendelaReviewVisitVisit |
|---|---|---|
| APR | 9.15% | up to 48% |
| Loan amount | PLN 500 to PLN 250,000 | SGD 1,000 to SGD 200,000 |
| Term | 3 to 120 monthsHigher | 3 to 72 months |
| Arrangement fee | 0% (0 PLN) | SGD 0 |
| Credit check | Hard | None |
| Funding time | Funds transferred to the customer's account, possibly the same day | Around 1-2 days from application to disbursement; some within hours |
| Representative example | 41,800 PLN over 50 instalments of 985.55 PLN, RRSO 9.15%, 0 PLN fee | Personal loan: $20,000 at APR 6.95% over 5 years, total payable $26,940, monthly cost $449 |
| Lender type | Direct lender | Marketplace |
| Eligibility | Natural person aged 18 or over at application; resident or non-resident earning income in Poland | Age 21 or older; Singapore citizen or PR (foreigners also considered, higher income threshold); min annual income SGD 20,000-30,000 citizens/PR |
| Loan types | Personal, Debt consolidation, Credit line | Personal, Debt consolidation, Business, Secured, Student |
| Rate type | Variable | Not confirmed |
| Origination fee (%) | 0% | Not confirmed |
| Credit needed | Not confirmed | Fair |
Same on both: Use cases (Home improvement).
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Key differences
- Alior scores higher overall: 8.9 vs 8.5.
- Founded is lower at Alior: 2008 vs 2018.
- Term is higher at Alior: 3 to 120 months vs 3 to 72 months.
- Support channels: only Lendela offers Email.
- Features: only Lendela offers Credit line.
- Loan types: only Alior offers Credit line.
- Loan types: only Lendela offers Business, Secured, Student.
Our verdict on each
Alior
Alior suits savers who want an easy-access account with no monthly charge and a variable rate of 4%, above where most listed accounts sit. Deposits are covered by the EU deposit guarantee, and the same group covers cards, loans, mortgages, investing and insurance.
Lendela
Lendela suits Singapore citizens and permanent residents who want a personal loan with no credit check and an origination fee of SGD 0. Borrowing covers SGD 1,000 to SGD 200,000 over terms of 3 to 72, and rates can reach up to 48%, the number to weigh before you apply.
Score breakdown
| Area | Alior | Lendela |
|---|---|---|
| Cost | 9.1A PLN 0 monthly fee on savings, a 0% (0 PLN) loan arrangement fee and a 0% card conversion fee. | Not confirmed |
| Offer | 8.8The offer spans savings, cards, loans, mortgages, investing and insurance, with trading platforms Alior Gielda, Notowania Online 3 and Alior 4 Trader. | 9.0Highermarketplace lending, fair credit record and none credit check, so offers come with light entry conditions. |
| Trust | 8.8Higher | 8.2 |
Ranges side by side
| Fact | Alior | Lendela |
|---|---|---|
| Term | 3 to 120 months | 3 to 72 months |
Availability and regulation
| Country | Alior | Lendela |
|---|---|---|
| France | FR_ACPR PSD_PI FR_ACPR!89914 | Not confirmed |
Additional countries for Alior: 2. Additional countries for Lendela: 2.
Feature by feature
| Loan types | Alior | Lendela |
|---|---|---|
| Personal | Yes | Yes |
| Debt consolidation | Yes | Yes |
| Credit line | Yes | No |
| Secured | No | Yes |
| Business | No | Yes |
| Student | No | Yes |
| Use cases | Alior | Lendela |
|---|---|---|
| Home improvement | Yes | Yes |
Positions in our rankings
| Ranking | Alior | Lendela |
|---|---|---|
| Loans | 121 of 2043 | 79 of 2043 |
| Personal loans | 102 of 1317 | 66 of 1317 |
| Mortgages | 11 of 853 | 6 of 853 |
Sources behind this comparison
Alior
- aliorbank.pl: 14 facts, checked September 26, 2026
- euclid.eba.europa.eu: 2 facts, checked September 26, 2026
- pkobp.pl: 2 facts, checked September 26, 2026
- en.wikipedia.org: 1 fact, checked September 26, 2026
Lendela
- sg.lendela.com: 16 facts, checked September 26, 2026
- hk.lendela.com: 1 fact, checked September 26, 2026
Every fact side by side
| Fact | Alior | Lendela |
|---|---|---|
| Pricing model | No monthly fee | Not confirmed |
| Features | Same day funding | Same day funding, Credit lineCovers more |
| Legal entity | CREDIT AGRICOLE PAYMENT SERVICES | Lendela Pte. Ltd. |
| Headquarters | France | Singapore |
| Founded | 2008Lower | 2018 |
| Support channels | Phone, Help centre | Email, Phone, Help centreCovers more |
Credit cards
| Fact | Alior | Lendela |
|---|---|---|
| Annual fee | PLN 80 | Not confirmed |
| Currency conversion fee | 0% | Not confirmed |
| Rewards type | Points | Not confirmed |
| Perks | Travel insurance, Concierge service, Airport lounge access | Not confirmed |
| Card kind | Credit | Not confirmed |
Personal insurance
| Fact | Alior | Lendela |
|---|---|---|
| Premium from | PLN 15,000 | Not confirmed |
| Insurance types | Auto, Home, Life, Travel, Income protection | Not confirmed |
| Provider type | Broker | Not confirmed |
| Cover limit | Sum insured guaranteed for the whole policy term (Bezpieczne Jutro); life cover for borrowers up to the amount of the loan granted | Not confirmed |
| Claims channels | Phone, Email, Help centre | Not confirmed |
| Age range | Children from birth to 26 years of age | Not confirmed |
Mortgages
| Fact | Alior | Lendela |
|---|---|---|
| Initial rate | 6.52% | 2.4%Lower |
| APRC | 6.52% | Not confirmed |
| Fixed period | 5 years | Not confirmed |
| Maximum loan to value | 79.14% | Not confirmed |
| Product fee | PLN 0 | SGD 0 |
| Purpose | Purchase | Purchase, RemortgageCovers more |
Brokers
| Fact | Alior | Lendela |
|---|---|---|
| Markets | Stocks, ETFs, Forex, CFDs, Funds | Not confirmed |
| Platforms | Alior Gielda, Notowania Online 3, Alior 4 Trader | Not confirmed |
Where each stands against the rest
| Fact | Alior | Lendela | Median |
|---|---|---|---|
| APR | 9.15%below the median | up to 48%highest quarter | 9.99% |
| Term | 3 to 120 monthshighest quarter | 3 to 72 monthsabove the median | 60 |
| Origination fee (%) | 0%at the median | Not confirmed | 0% |
Median across 1096 listed providers.
Pros and cons
Alior
Pros
- Balances are covered by the EU deposit guarantee: EU DGS up to EUR 100,000
- The account kind is easy access, and interest is credited monthly to the balance, so withdrawals do not stop the rest of the money earning
- The card listed is a credit card on points rewards, with perks covering travel insurance, concierge service and airport lounge access
Cons
- The savings rate is variable, so the headline figure is not held for a set term
- Support runs on phone and help centre only
- Borrowing runs a hard credit check, so applications need a credit file that will pass it
Lendela
Pros
- An origination fee of SGD 0 on personal loans, so no charge for setting the loan up.
- Purpose covers personal, debt consolidation and business, and home improvement is a stated use.
- Money often moves quickly: a few days from application to disbursement, and some within hours.
Cons
- The rate ceiling is up to 48%, well above where most borrowers start.
- Support runs on email, phone and help centre only.
- Applicants need a minimum age, Singapore citizenship or permanent residency, and a minimum annual income, with foreign applicants held to a higher income bar.
Who each suits
Alior
Who it suits
- Savers in the EU who want easy access to their money and no monthly charge
- Households that want savings, cards, borrowing, mortgages, investing and insurance with the same provider
- Borrowers who are comfortable with a hard credit check and want funds transferred, possibly the same day
Who should look elsewhere
- Finteres, at 0% to 36%, if the top of that range matters more than reaching the money
- bunq, at 3.01%, if you would rather hold savings with a different brand on a lower headline rate
Lendela
Who it suits
- Singapore citizens and permanent residents with a fair credit record who want to borrow without a credit check.
- People consolidating debt or planning home improvement, both common reasons to borrow here.
- Borrowers who prefer a marketplace where lender quotes sit side by side.
Who should look elsewhere
- Borrowers chasing the lowest rates, who will find Cashspace quoting PHP 12 to PHP 36.
- Euro borrowers, since Creduma ES lists from €12,000 and Lendela works in Singapore dollars.
- Anyone wanting a rate band with room at both ends, since Sofkredit quotes 10.74% to 18.06% against the capped up to 48% here.
Current offers
Alior
Current offer
Bonus
Promocja na nowe środki - Konto Oszczędnościowe Plus (4% w skali roku do 250 tys. zł przez 90 dni): 4% p.a. on new funds up to PLN 250,000 for 90 days, then standard 0.1% (NBP reference rate /2 minus 2 pp)
Promotion 25.09.2026 to 07.01.2027; reference day 24.09.2026; 90-day promotional period from the first deposit of new funds; new funds = balance above the total on deposit accounts with the same owners on the reference day; adults only; not combinable with other new-funds promotions on the same savings account; not applicable to Rachunek Oszczędnościowy (closed 31.01.2017) or Konto Oszczędnościowe Progres Adm (closed 19.04.2015); accounts must have been opened on or after 27.06.2025.
Source, checked September 26, 2026
Country by country
| Country | Alior | Lendela |
|---|---|---|
| France | Yes | No |
| Hong Kong | No | Yes |
| Poland | Yes | No |
| Singapore | No | Yes |
Questions about each
Alior
What rate does the Alior savings account pay?+
The account pays a variable headline rate of 4%, above the site median of 3% and above bunq at 3.01% and Wise at 3.29%. The rate type is variable, and 53.9% of the accounts listed pay a variable rate, so this is the standard structure here.
Is there a monthly fee on the account?+
The savings account runs on the no monthly fee model, so the monthly fee is listed as PLN 0 and nothing is charged for keeping the balance. Interest is credited monthly to the balance, so deposits and withdrawals carry on earning between credits.
Lendela
How much can I borrow, and for how long?+
Lendela covers SGD 1,000 to SGD 200,000, with terms of 3 to 72. Features listed include same day funding and credit line, so a credit line is an option for anyone who would rather draw money down gradually than take the full amount at the start.
What rate will I pay?+
Rates at Lendela run as high as up to 48%, well above the 15.5% median for this category. The published representative example is much kinder, pairing a modest rate with a multi-year term, so treat the ceiling as the worst case rather than the expected outcome.
Other options to compare
Other matchups
- Alior vs Income Insurance
- Alior vs Sofkredit
- Alior vs AXA
- Alior vs DKB (Deutsche Kreditbank)
- Alior vs Creduma ES
- Alior vs Creditilia ES
- Alior vs Compass
- Alior vs CHECK24
- Alior vs MSIG Insurance (Thailand)
- Alior vs Vuso UA
- Lendela vs AU Small Finance Bank
- Alior vs TIPINSURE
- Alior vs Max Life Insurance
- Alior vs Lemonade
- Alior vs Nationwide
- Alior vs Acko
- Alior vs LEND.ch
- Alior vs Borrowell
- Alior vs CIMB Bank